Research On The Relationship Between Loan Structure And Non-performing Loan Ratio Of Chinese Listed Banks

Loan structure refers to the allocation and matching of credit funds in different regions,different industries,different industries and different terms.As the loan structure is often the result of risk-benefit trade-offs,the banks are screened to invest in certain areas.Relatively focused lending can reduce risk and increase returns when a sector is in the process of development or upturn,or has implicit guarantees of national policy.However,the actual structure of the credit structure of the credit default rate and then the actual size of the risk is not known.The most direct factors affecting the structure of loans are loan quality,nonperforming loan ratio,and loan provision ratio,all of which reveal the structural risks of bank loans.The non-performing loan ratio not only affects the profitability and competitiveness of China's commercial banks,but also related to the development of China's financial institutions and stability.In addition,it determines the competitive position of China's financial industry in the international.Since 2013,China's commercial banks non-performing loan ratio has gradually increased and the phenomenon has become a problem for the entire banking industry.From the point of bank loan structure,the loan default rate from different sectors is different while the bank's total non-performing loan ratio caused by different effects.Therefore,study the structure of bank loans in the loan industry number of non-performing loan rate can not only observe influence level rate of non-performing loans in the bank loan structure,but also can know the influence degree of each industry which is meaningful to grasp the lending industry of bank non-performing loan rate of "contribution".Firstly,this paper focuses on the Commercial Bank of our country in recent years,total assets,asset liability ratio,loan default rate overall development situation.And then,we use the 17 Listed Banks in China and the five industry loan quantity to analysis the effect of the bank's non-performing loan ratio.In order to ensure the accuracy of empirical analysis,joining the in addition to outside the loan structure factors from in the bank's internal and external economies macro environment factors as control variables are necessary.Finally,the paper draws the conclusions and give empirical analysis from the aspects of prevention and disposal to reduce China's listed banks non-performing loan ratio.